We have recently been working on revamping our Tools section. The work is almost complete and it will be coming to the site soon.

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We have reached the last weekend before Christmas 2008 and for most of us it’ll be time to get the food shopping in for our festive feastings.

When you enter the supermarket you will be hit with an array of offers and tempting treats. The problem here is that it is very easy to overspend on your usual weekly shop, which will be especially bad if Christmas has already squeezed your wallet dry.

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Did you know that one energy-saving light bulb could save you up to £7 a year?

The price of energy saving light bulbs has dropped dramatically in recent months. Some stores are now offering three for £1 in some cases.

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Did you know that, according to energywatch, the average household could save £37 a year by switching electrical appliances off instead of leaving them on standby?

Electrical goods actually use a fair amount of energy when left on standby so you can really knock down your energy bills by simply turning them off at the unit or at the wall.

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With the credit crunch hitting hard, you could benefit from taking some basic measures around your home to improve its energy efficiency.

For example, did you know that you could save around £20 a year just by insulating your hot water tank?

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Breakdown cover is a service provided by insurers which you can buy so that you can call for assistance should your vehicle break down.

The most basic of policies, which should at least provide you with assistance at the roadside to try to fix your vehicle, start from around £25 and will cover you for a period of 12 months.

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Economy 7 is a tariff that is generally offered to those with storage heaters. It offers electricity at night for around half the price of units offered on tariffs without Economy 7.

Storage heaters are special radiators that you ‘charge’ up over night with heat. This heat is then gradually released throughout the day. This means that cheaper electricity at night is beneficial.

However, you don’t need to have storage heaters to benefit from an Economy 7 tariff. If you run a lot of appliances at night (such as dishwashers and washing machines) then this tariff may save you some money.

Those on Economy 7 tariffs generally pay slightly more for their day units. Therefore, you would need to work out if the saving to be made would be significant enough to cover the increased day unit rate. To do this you could speak to your current energy company and ask them what percentage of your usage is overnight and whether you would benefit from economy 7.

If you don’t use any units overnight and are currently on an economy 7 tariff, you would be better off switching to a standard tariff.

If you wanted to be on economy 7 and make use of the cheaper night rate, bear in mind when it starts and when it finishes. Some companies offer the cheaper rates from midnight to 7am.

Also, to make the most of the tariff, you could invest in some plug timers. This way you could set them to turn on the power to the washing machine or dishwasher at any time within the cheaper period so you could make use of even more cheap energy.

Click on the link to compare gas and electric tariffs